SIP Calculator

A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund at regular intervals — typically monthly. Rather than trying to predict market highs and lows, SIP relies on rupee-cost averaging: you buy more units when NAVs are low and fewer when they are high. Over a 10–15 year horizon, this disciplined approach consistently outperforms lump-sum investing for most retail investors.

The mathematics of SIP compounding is exponential. At 12% CAGR, ₹10,000 per month for 20 years grows to approximately ₹98 lakh — on a total investment of just ₹24 lakh. The remaining ₹74 lakh is pure returns compounded over two decades. Extending the period by just 5 more years (to 25 years) takes the corpus past ₹1.9 crore — nearly doubling for the same monthly amount, purely through the power of time.

Use this calculator to find your target SIP amount for any corpus goal, or to project how a current SIP grows over your chosen horizon. Plug in conservative returns (10–11%) for planning safety, and use the actual historical CAGR of your chosen fund category as an upper bound. Equity Large Cap funds have historically delivered 11–13% CAGR over 10-year rolling periods; Mid Cap and Small Cap funds have delivered 13–16% with higher volatility. All figures are pre-tax and based on past performance — not a guarantee of future returns.

Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance is not indicative of future results. This calculator is for educational and planning purposes only.